Macon Insurance Rates:

Macon, GA home insurance is nearly $731 to $990, about $60-$82/month. Our comprehensive analysis indicates shoppers can save as much as $344 by getting different quotes

Compare Quotes from Top Providers and Save now!

Compare & get the cheapest Macon, Georgia home insurance quote while also getting the best customer & claims service.

Macon Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $270/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Bath 1800 sqft Rental Property Constructed In 1943 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $300/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1780 sqft Seasonal Residence Constructed In 1970 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Divorced Female who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $40/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1640 sqft Seasonal Residence Constructed In 1944 with Wood Flooring, Tile Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $460/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1750 sqft Primary Residence Constructed In 1940 with Wood Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $280/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Baths 4240 sqft Seasonal Residence Constructed In 1967 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $490/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Baths 2780 sqft Primary Residence Constructed In 1944 with Linoleum, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $380/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1940 sqft Primary Residence Constructed In 1989 with Stone Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $530/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Baths 3450 sqft Primary Residence Constructed In 1989 with Carpet Flooring, Composition Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $50/3 months for $25,000-$50,000 Coverage
Policy Holder Home Details :

Home Value : $30,000

2 Beds, 2 Bath 1181 sqft Rental Property Constructed In 1962 with Linoleum, Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Macon, GA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
31217 $82,300 $860
31210 $192,000 $920
31220 $155,200 $910
31216 $150,100 $910
31211 $111,000 $880
31204 $107,300 $870

Macon Rates & Quotes Analysis:

Macon Area Estimated House Insurance
Hawthorne Trl, Azalea Dr, Cherry St, Niagara Ave, Clinton Rd, Thunderbird Rd, Emily St, Riley Ave, Deerwood Pl, Thomas St$846
Friar Ct, Shamrock St, Lundy Ct, Cole St, Hydrolia St, Barfield Rd, Bobby Jones Cir, Plumtree St, Ashford Chase Ct, Bond St$874
Jefferson St, Fellowship Dr, Dempsey Ave, Petunia Ave, Oxford Dr, Emily Pl, Tarver Ct, Trojan Trl, Victoria Cir, Trudia Dr$848
Neal Dr, Sherrill Dr, Grand Ave, Saint John's Pl, Pringle St, Shermount Dr, Woodmont Dr, Atkins Dr, Telfair Street Ln, Willow Ln$873
Essex Rd, Wilson Rd, Blackmon Ave, Wells Dr, Coleman Ln, Embassy Ct, Rose Ave, Wise Rd, Roy St, Brookdale Ct$843
Rogers Ave, York Pl, Flewellyn Ct, Massey Rd, Pierce Ave S, Alice Pl, Forsyth St, Glenn St, Springdale Woods Dr, Mickey St$858
Wellwood Ln, Jackson Street Ln, Shaw St, Burrus Rd, Vinson Robinson Rd, W Ormond Ter, Rosa Taylor Dr, Middle St, Armstrong Dr N, Lions Pl$881
Pierce Dr W, Poppy Ave, Elkton Pl, S Millerfield Rd, Grace Ave, Tinsley Ln, Willis Ct, Jones St Ln, Audubon Cir, Emory Greene Dr$880
Shawnee Ln, Case St, Roy Ave, Wyche St Ln, Jones Ave, New St, Heathers Glenn Dr, McKay Dr, Huff Ln, Ash St$848
Armory Dr, Adkins Ave, Shaw Dr, Ruben Dr, W Breckinridge, Larkwood Dr, Witman Way, Rosecrest Ave, State Rte 401, Mitchell St$849

Insurance rates are influenced by a number of factors including:

  • Year Built: 9,522 Homes (22% of total) built between 1950 to 1959 in Macon are paying home insurance between $1,616-$1,629 compared to Macon West (+$28), Bibb County (+$35), Rutland (+$64), North Twiggs (-$27) and Twiggs County (-$22).
  • Bedrooms: 15,633 2 bedrooms homes (36% of total homes ) in Macon are paying about $602. Areas near to Macon such as Macon West, Bibb County, Macon East are costlier by $11, $13, $8 respectively whereas Payne and Twiggs County are more economical by $3, $9 respectively for similar homes.
  • Auto Insurance Bundling: 6,208 Households (41% of all households) in Macon have 2 vehicles available and when it is bundled with home insurance you can save $172. Discounts for similar bundling in close by locations such as Payne, Macon West, Bibb County come to $171, $175, $175 respectively.
  • Senior Discounts: 8,322 seniors (more than 55 years) occupied housing units (55% of total) in Macon get discounts between $128 to $131. The comparative concessions in proximate regions such as Payne, Macon West and Rutland are $128, $131 and $133 respectively.
  • New Homes discounts: New homes such as the 14,379 homes built between 2000 to 2009 in Macon can save $172 compared to Payne ($171), Macon West ($175), Bibb County ($175).

Macon Homeowners insurance Facts

  • Macon, GA has 15,092 owner occupied houses which is 44.6% of all units whereas Payne, Macon West and Bibb County have 10.91%, 48.87% and 55.52% respectively.
  • Macon, GA homeowners yearly insurance price at $860 is 0.94% of the typical house value of $91,800 which is in contrast with 1.04% in Payne, 0.74% at Macon West & 0.71% in Bibb County.
  • Homeowners in Macon, GA pay 1.27% of their income ($60,000 to $74,999) in insurance whereas homeowners in Macon West, Bibb County and Macon East pay 1.3%, 1.3% and 1.27% respectively.
  • Macon, GA’s insurance is 6.4% of monthly housing costs of $1,112/month, for owners with a mortgage compared to 5.96% in Macon West, 5.96% at Bibb County & 6.76% in Macon East. But, for households without a mortgage, insurance is 18.3% of costs ($392 in Macon, GA) in contrast with 17.44% in Macon West, 17.89% at Bibb County & 20.72% in Macon East.

Macon, GA Home Values & Insurance rates

For example, insurance for 2,413 Homes (16.0% of total homes ) valued between Less than $50,000 in Macon, GA is about $232. Rates in nearby areas in such as Macon West, Bibb County, Rutland are cheaper by $49, $57, $90 respectively while Payne and Macon East are costlier by $24 and $8 respectively for similar homes.

Macon, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,413 16.0% $232
$50,000 to $59,999 1,118 7.0% $490
$60,000 to $69,999 1,055 7.0% $602
$70,000 to $79,999 1,412 9.0% $696
$80,000 to $89,999 1,373 9.0% $791
$90,000 to $99,999 985 6.0% $885
$100,000 to $124,999 2,102 14.0% $1023
$125,000 to $149,999 1,365 9.0% $1281
$150,000 to $174,999 1,025 7.0% $1522
$175,000 to $199,999 722 4.0% $1754
$200,000 to $249,999 464 3.0% $2107
$250,000 to $299,999 289 1.0% $2580
$300,000 to $399,999 290 1.0% $3276

Renters Insurance in Macon

  • Average Renters Insurance in Macon :  $324($27/month)

  • Median Gross Rent in Macon :  $673

  • Macon Renters Insurance to Median Rent Ratio:  4.01%

  • Renter occupied housing units in Macon :  18,721

Macon Renters Insurance as a Percentage of Rent

Macon Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 632 3.0% $381
$200 to $299 978 5.0% $831
$300 to $499 2,911 16.0% $1281
$500 to $749 6,350 35.0% $1956
$750 to $999 4,206 23.0% $2706
$1,000 to $1,499 2,372 13.0% $3831
$1,500 or more 264 1.0% $5481

Rent Affordability in Macon:

Approximately 60.0% (11,312) of households are spending more than 35% of their income on gross rent in Macon

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,069 5.0%
15.0 to 19.9 percent 1,274 6.0%
20.0 to 24.9 percent 1,901 10.0%
25.0 to 29.9 percent 1,863 9.0%
30.0 to 34.9 percent 1,302 6.0%
35.0 percent or more 11,312 60.0%

Protective device discount in Macon Up to :  $48

Claims-free discount in Macon Up to :  $64